In our case, we were renting a car; while stoping in a red light, we got hit from behind by some irresponsible very young driver.
We rang the car rental straight away as well as the police as the driver had no ID at the time.
We got the police report to clear us from wrong doing.
We still got charged by the rental car company in our case was Budget Auckland for the excess fee and promised to settle them within 8 weeks. 4 yrs later, no money back from them because they said they could not trace the other party and the case was closed.
Now we pay extra to get rid of the excess fee, it is well worthed to my opinion.


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